Online Credit Facilities

Finance Examples

Please note: The MAXIMUM LOAN AMOUNT is £10000 (after deposit), eg with a 10% deposit, the maximum purchase value is £11111.11. Finance would not be offered where the cart value exceeds this amount

Some of our finance packages may require a minimum deposit which is higher or lower than the 10% used as the example above.

During checkout, you have the option of altering the deposit you pay, subject to the minimum and maximum deposits allowed against the selected finance package and subject to the minimum loan amount of £250

Available Finance Packages

The following finance packages are offered to any combination of products subject to the noted minimum spend amounts.The minimum spend is the minimum total goods value to qualify for the finance package.

Examples are shown for a purchase price of £300.00 or the minimum spend required to qualify for the package.Where the package is highlighted, the product which led you to this examples page would qualify.

Package(Min. Spend)

Goods

Deposit

Loan

APR

Monthly Payment

Total Payable

Cost of Credit

Interest Free Finance (6 Months)(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

0% APR Representative

£45.00*

£300.00

£0.00

Interest Free Finance (10 Months)(Min Spend: £500.00)

£500.00

£50.00(10%)

£450.00

0% APR Representative

£45.00*

£500.00

£0.00

Interest Free Finance (12 Months)(Min Spend: £600.00)

£600.00

£60.00(10%)

£540.00

0% APR Representative

£45.00*

£600.00

£0.00

Interest Free Finance (18 Months)(Min Spend: £1000.00)

£1000.00

£100.00(10%)

£900.00

0% APR Representative

£50.00*

£1000.00

£0.00

Interest Free Finance (24 Months)(Min Spend: £1500.00)

£1500.00

£150.00(10%)

£1350.00

0% APR Representative

£56.25*

£1500.00

£0.00

Classic Credit 12 Months 15.9%(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

15.9% APR Representative

£24.35*

£322.20

£22.20

Classic Credit 18 Months 15.9%(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

15.9% APR Representative

£16.82*

£332.76

£32.76

Classic Credit 24 Months 15.9%(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

15.9% APR Representative

£13.07*

£343.68

£43.68

Classic Credit 36 Months 15.9%(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

15.9% APR Representative

£9.34*

£366.24

£66.24

Classic Credit 48 Months 15.9%(Min Spend: £280.00)

£300.00

£30.00(10%)

£270.00

15.9% APR Representative

£7.49*

£389.52

£89.52

*Final payment may be slightly higher or lower than quotedNote: Selecting other items in our site may affect which finance deals are available to you. To confirm, add your required items to your basket and visit the checkout. You can see which packages you qualify for before giving us any personal details.

The specialist Cycle and eBike Centre in Newcastle

At Cycle Centre in Newcastle, we are passionate about bikes and have been for over 80 years.

We offer a vast range of bicycles and cycling accessories, but what really sets us apart is our great service. We strive to offer the best service in everything we do, from our 48 hour service turnaround time on bikes bought from Cycle Centre, social rides, the events we organise and our maintenance classes. We always have lots going on!

We just love bikes and want to get as many people riding bikes as we can.